Later on, possibly. Right now, I'm fucking scrounging for cash because of this "you need the skill points AND the money for this skill" thing. It hardly seems like a waste to me at this point. Maybe later when money becomes "useless", sure, I'll trade that in for something more practical, but I took the skill for the same reason as getting more XP from heists - efficiency.
Also money being "useless later on" doesn't sound very good to me. I thought the whole point of the game was to make money...
No, the point of the game was to farm Rats and Firestarter over and over again. Just like how the point of the original game was to farm Overdrill over and over again